$500 - $5000
between $500 - $5000
up to 180 days
20% upfront establishment
fee 4% monthly fee

Small LOAN

Loan amount from $500 to $2000
Minimum 91+ days to Maximum 6 months
20% Establishment Fee and a flat 4% Monthly Fee*


Loan Amount of $1,000 over 20 weeks repayable weekly. $1,000(Principal Amount) + $200(20% Establishment Fee) + $200(fees based on 4% per month over 20 weeks) = $1,400 total repayable in 20 weekly repayments of $70.00.

*The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.


Loan amount from $2001 to $5000
Minimum 91+ days to Maximum 2 years
$400 Establishment Fee plus interest at 47.8% p.a. (Comparison Rate 66.58% p.a)*


Loan Amount $2500 over 2 years repayable fortnightly. $2,500 (Principal Amount) + $400 (Establishment Fee) + $1553 (Interest) = $4453 total repayable in 52 fortnightly instalments of $85.63

*The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.

If you’ve ever applied for a loan and been denied, you know how frustrating and stressful it can be. But don’t despair – there are steps you can take to increase your chances of getting your loans approved. 

In this article, we’ll explore the most common reasons why cash lending applications are denied and detail strategies for improving your chances of getting the financing you need. 

Whether you’re looking to buy a home, start a business, or pay off debt, there’s no reason to let loan rejection hold you back. Fundo is here to help provide you with opportunities to take out teeny tiny loans.

What can cause a loan application to be denied?

There are several reasons why a lender may deny a loan application, such as insufficient income, poor credit history, high debt-to-income ratio, limited credit history, lack of collateral, or fraud. Lenders may consider applicants with insufficient income or high debt-to-income ratios as high risks and may deny their applications. 

Similarly, applicants with poor credit histories or limited credit histories may not be seen as reliable borrowers and may be denied. Some loans also require collateral as security, and applicants without collateral may be denied. Finally, applicants who provide false or misleading information on their loan application may be denied due to fraud.

It’s important to carefully consider all of these factors when applying for a loan and to try to improve your financial situation as much as possible before applying. This may increase your chances of having your loans approved.

However, one thing you’ll truly appreciate at Fundo is that we believe in going beyond just looking at your traditional credit score. When assessing your loan application, we focus on your ability to meet repayments, and your credit plays a small role in our decision-making process.

Fundo has a couple of prerequisites for those who wish to apply for a loan: borrowers must be eighteen years old and over, have regular employment income of at least $300/week (excluding government benefits), demonstrate the ability to meet repayment deadlines, and not place undue financial pressure on yourself by borrowing from Fundo.

If you meet all these requirements, you can apply for online money loans of up to $2,000. All you have to do is head on over to our homepage and click that ‘Apply Now’ button. You’ll be directed to a super easy online application form that you can complete anytime, day or night, because it’s available 24/7.

Upon qualification, we’ll send you your documents and try to get those funds into your account as fast as possible, sometimes even on the same day! We’re all about efficiency here, so we process applications from Monday to Saturday. 

How can I make sure that my loan gets approved?

While there’s no surefire way to ensure your loan gets approved, there are a few things you can do to help improve your chances of approval:

  • Make sure you meet the lender’s eligibility requirements, such as having a stable income, a good credit history, and a low debt-to-income ratio.
  • Gather all the necessary documentation, such as proof of income, bank statements, and identification, to support your application.
  • Provide a clear and detailed explanation for why you need quick cash and how you plan to use the funds.
  • Work with a lender who specialises in instant cash loans for borrowers with less-than-perfect credit like Fundo.
  • Consider getting a cosigner or collateral to back your loan, which can help to reduce the risk for the lender.

Remember that each lender has different criteria for approving quick loans, so it’s important to do your research and find a lender that is a good fit for your needs and financial situation.

Another way you can improve your chances of getting approved for a loan at Fundo is by engaging and trying to improve your Fundo Credit Score, which is our own credit scoring system, specifically designed to reward you for paying off your online loans early or on time, as well as for providing feedback and referring friends to us. 

The higher your Fundo Credit Score, the better your chances of having your same day cash loans approved. Plus, we offer special discounts and perks for those with improved Fundo Credit Scores. You can start building your Fundo Credit Score today and see the benefits for yourself.

When you’re approved for a loan, you can enjoy our personalised account dashboard, where you can manage your loan and check your Fundo Credit Score. Your dashboard is your one-stop shop for everything related to your online loan application. You can easily view and update your account, make or reschedule payments, and keep track of important information like your balance, loan duration, and more.

Can I apply again if my loan doesn’t get approved?

Yes, it is possible to apply for a loan again if your application was denied. If your loan application was denied, it’s a good idea to try to identify the reason for the denial and take steps to address any issues that may have caused the denial. This may include improving your credit score, reducing your outstanding debt, or offering collateral.

Keep in mind that applying for multiple small personal loans in a short period of time may have a negative impact on your credit score, as each credit application generates a ‘hard inquiry’ on your credit report. This could make it harder to get approved for a loan in the future.

If you want more information on why your loan was rejected, feel free to reach out to our customer service team for assistance. 

Trust Fundo with your financial loan needs.

Overall, if you’re looking for a lender that provides fast and simple instant loans, Fundo is the way to go. You may have a chance of getting your loans approved on the same day when you choose our services.

If you have any questions about our fast online loans or want to know the difference between our products and those such as small bank loans, don’t hesitate to reach out to our friendly team. You can give us a call at (02) 9066 9660, send us an email at, or use our online chat feature to get in touch with us. We’re here to help and are always happy to assist you.

Apply for a teeny tiny loan of up to $2,000 with Fundo today!

Disclaimer: The views expressed in this article are for general informational and entertainment purposes only and should not be taken as financial advice or recommendation. Unless otherwise specified, these opinions may change at any time and should not be relied upon for making financial decisions. If you have specific questions or concerns about your financial situation, it’s always best to seek the advice of a qualified financial professional.